Affordable Care Act

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Bestoutwest":3cvxefqc said:
bball":3cvxefqc said:
Best,
There is a tremendous difference between petty medical visits and gross abuse of the healthcare system..and I know for a fact you know what I am speaking about.
Also, I think that's what the medical community ONCE stood for. Plenty of small town hospitals and physicians have closed up shop and shut it down across the nation because they couldn't make it financially. Harsh reality today is if too few are paying, you're not keeping the doors open.
I enjoy listening to folks complain about our poor, overpriced healthcare and believe the physicians and staff are getting filthy rich. Imagine how it will be when even more local hospitals, physicians and medical services are not available. It is happening daily. Like it or not, healthcare is run like a business nowadays. The alternative is not very optimistic.

I am extremely well versed in petty medical visits. The exam I did last week on a patient that had abdominal pain for 1 hr that subsided. A mother that brought the kids in before going on vacation b/c one had been sick. I could go on and on. However, the problem with running credit and determining health care outcomes based on that will cause for delays in necessary care. Because it doesn't just stop at the Urgent Care, it moves on to all aspects of the medical world. Would we not allow people into the trauma bay until their credit has been run? Is the OR the line they shall not cross until credit is secured? Should your grandfather be denied cardiac care b/c he doesn't have the $10K for what Medicare doesn't cover? Do you want this to happen to your kids, wife or yourself? Health care is being run as a business, and it's getting ugly. Costs are soaring, and it's massively detrimental for society.

You are zeroing in on the target now. Many facilities demand payment/payment plan for a non life threatening procedure or diagnostic exam prior to that procedure or exam. Can't pay? You don't receive that procedure or diagnostic. Life threatening, trauma, or true emergent issues are dealt with on the spot, as it should be. As far as credit checks go, that can be done in minutes, if not faster. It's a very real challenge to educate some people in society about the difference between an Emergency room(and it's actual purpose) and a walk in clinic, their PCP(if they bothered to get one), and going to the local drugstore for Tylenol or Motrin.
Heres another difference; purely anecdotal: my oldest daughter is a living miracle thanks to the men and women who work at Texas Children's Hospital. She was given less than a 10% chance to survive at birth due to very rare, complex congenital heart defects. She spent her first 4 months of life in their NICU where she coded at least thrice. The bills were insane for her first few years of life. The good news is i had exceptional insurance through my job, as did my wife. Now to maintain that insurance, I had to partake in some of the most disgusting, demanding labor I have endured(crawling through human waste, dead animals, tunneling under homes, bit, stung, attacked by any and all manner of creature) I got up happily each day and did it because that's what needed to be done.
Teresa is 21 years old now; a beautiful college student working on a degree in diagnostic sonography, and looks as though she is falling in love for the first time with a boy I am to meet later this week. She is a real joy in my life.

The point is, there is opportunity for plenty of able bodied folks, it may not be glamorous though. One of the problems is a lack of balance. We have able bodied folks not pulling their weight; add that to the poor souls who honestly can no longer pull their weight due to age or illness and the system is overtaxed.
 
bball":39d3wk1z said:
Bestoutwest":39d3wk1z said:
bball":39d3wk1z said:
Best,
There is a tremendous difference between petty medical visits and gross abuse of the healthcare system..and I know for a fact you know what I am speaking about.
Also, I think that's what the medical community ONCE stood for. Plenty of small town hospitals and physicians have closed up shop and shut it down across the nation because they couldn't make it financially. Harsh reality today is if too few are paying, you're not keeping the doors open.
I enjoy listening to folks complain about our poor, overpriced healthcare and believe the physicians and staff are getting filthy rich. Imagine how it will be when even more local hospitals, physicians and medical services are not available. It is happening daily. Like it or not, healthcare is run like a business nowadays. The alternative is not very optimistic.

I am extremely well versed in petty medical visits. The exam I did last week on a patient that had abdominal pain for 1 hr that subsided. A mother that brought the kids in before going on vacation b/c one had been sick. I could go on and on. However, the problem with running credit and determining health care outcomes based on that will cause for delays in necessary care. Because it doesn't just stop at the Urgent Care, it moves on to all aspects of the medical world. Would we not allow people into the trauma bay until their credit has been run? Is the OR the line they shall not cross until credit is secured? Should your grandfather be denied cardiac care b/c he doesn't have the $10K for what Medicare doesn't cover? Do you want this to happen to your kids, wife or yourself? Health care is being run as a business, and it's getting ugly. Costs are soaring, and it's massively detrimental for society.

You are zeroing in on the target now. Many facilities demand payment/payment plan for a non life threatening procedure or diagnostic exam prior to that procedure or exam. Can't pay? You don't receive that procedure or diagnostic. Life threatening, trauma, or true emergent issues are dealt with on the spot, as it should be. As far as credit checks go, that can be done in minutes, if not faster. It's a very real challenge to educate some people in society about the difference between an Emergency room(and it's actual purpose) and a walk in clinic, their PCP(if they bothered to get one), and going to the local drugstore for Tylenol or Motrin.
Heres another difference; purely anecdotal: my oldest daughter is a living miracle thanks to the men and women who work at Texas Children's Hospital. She was given less than a 10% chance to survive at birth due to very rare, complex congenital heart defects. She spent her first 4 months of life in their NICU where she coded at least thrice. The bills were insane for her first few years of life. The good news is i had exceptional insurance through my job, as did my wife. Now to maintain that insurance, I had to partake in some of the most disgusting, demanding labor I have endured(crawling through human waste, dead animals, tunneling under homes, bit, stung, attacked by any and all manner of creature) I got up happily each day and did it because that's what needed to be done.
Teresa is 21 years old now; a beautiful college student working on a degree in diagnostic sonography, and looks as though she is falling in love for the first time with a boy I am to meet later this week. She is a real joy in my life.

The point is, there is opportunity for plenty of able bodied folks, it may not be glamorous though. One of the problems is a lack of balance. We have able bodied folks not pulling their weight; add that to the poor souls who honestly can no longer pull their weight due to age or illness and the system is overtaxed.
You a good man, you a lucky man.
 
And that bball.... is exactly what the problem is. All the ones that are not willing to do "WHATEVER IT TAKES" to have or keep that insurance. They would rather go the easy route, and they EXPECT things as an "entitlement" , without ever having to work for it. That is what many are so thoroughly sick of. ABLE bodied people who have learned to play the system to get things for free because they have not learned and do not want to learn, what it is to sacrifice so that they can maintain what they have. And those that are willing to sacrifice, are "asked" to keep on sacrificing more and more to support those that are not willing to put even a little effort into it. So, instead of being asked to "sacrifice" a little more, they are forced to go beyond the sacrificing, and yet there are many who are not willing to do even a small bit of sacrificing....
You are to be commended for doing WHAT IT TOOK, to make sure you and yours were provided for. I think that most of us just want to see that same willingness. It's the ones that are not willing to do their part, pull their weight, that makes all the rest of us so angry and frustrated.
 
farmerjan":1d14gcb3 said:
And that bball.... is exactly what the problem is. All the ones that are not willing to do "WHATEVER IT TAKES" to have or keep that insurance. They would rather go the easy route, and they EXPECT things as an "entitlement" , without ever having to work for it. That is what many are so thoroughly sick of. ABLE bodied people who have learned to play the system to get things for free because they have not learned and do not want to learn, what it is to sacrifice so that they can maintain what they have. And those that are willing to sacrifice, are "asked" to keep on sacrificing more and more to support those that are not willing to put even a little effort into it. So, instead of being asked to "sacrifice" a little more, they are forced to go beyond the sacrificing, and yet there are many who are not willing to do even a small bit of sacrificing....
You are to be commended for doing WHAT IT TOOK, to make sure you and yours were provided for. I think that most of us just want to see that same willingness. It's the ones that are not willing to do their part, pull their weight, that makes all the rest of us so angry and frustrated.

There's no shortage of people who will 'play' the system if the chance arises, just as there is no shortage of those who will pimp the current system that allows those opportunities to be available. Govt itself (fed, state, county and local) and their union representation is the catdaddy of all pimps...it can ill afford less social program participation going forward. Fewer social program participants= fewer govt employees needed. Even outside the military and USPS, govt employs about 21.1 million active workers (USPS employs about 600,000). Add the number of govt retirees to that and it is a formidable lobbying force to keep things as they are, if not enlarge what is being referred to as socialism. Socialism increases reliance on Govt at all levels thus it is NOT in govt's self interest to ever oppose increases in social program participation.
 
tater74":3se63l3e said:
Would government run healthcare be better????[/quote:3se63l3e said:
Absolutely not!

Take the frivilous lawsuits, outsized jury awards, blood sucking insurance companies, and government intervention out of it and the market would drive the costs down.

And don't get me started on the drug companies.

Damages are capped at $250,000 in Texas. An attorney has to front the money on suit out of his pocket and then hope they win. When everything is said and done a person would end up with very little. This limit was set by the government in Austin and sold on the fact that health care would cost less, but it did not cost less. Every time I set in the waiting room or visit someone in the hospital I wonder just how much their utility bill runs.
 
hurleyjd":x49rwmzl said:
Damages are capped at $250,000 in Texas. An attorney has to front the money on suit out of his pocket and then hope they win. When everything is said and done a person would end up with very little. This limit was set by the government in Austin and sold on the fact that health care would cost less, but it did not cost less. Every time I set in the waiting room or visit someone in the hospital I wonder just how much their utility bill runs.
Only punitive and other certain non-economic damages are thusly capped.

You may sue for the total amount of economic damages. However, there is a cap in place for non-economic damages:

You may not sue doctors or other individual health care providers for more than $250,000 in total, even if you pursue a medical negligence case against multiple doctors.

You can cannot recover more than $250,000 from each healthcare facility that was involved. And your non-economic damages award may not exceed $500,000 among all of the medical facilities involved in the case.

Therefore, the maximum amount you may receive for non-economic damages in a medical malpractice lawsuit is $750,000.


Punitive damages
Punitive damages are awarded in personal injury cases where the actions of the defendant involved fraud, malice, or gross negligence. For instance, if a drunk driver sped through a stop sign and slammed into your car and caused you massive internal injuries, this could qualify you for punitive damages.

Punitive damages in Texas are used to 'send a message' to the person who has acted in a reckless, grossly negligent manner that warrants additional economic punishment. They will only be awarded if other damages are also awarded.

Punitive damages are capped in Texas, as listed in the Texas Statutes here.

Punitive damages are capped at the greater of $200,000 or two times the amount of economic damages PLUS the amount equal to non-economic damages up to $750,000.

Let's say you sue in a brain injury case where you suffered head trauma in a car accident involving gross negligence. You are awarded $2 million for your economic losses and $1.5 million for your non-economic losses. The total amount possible for punitive damages is $4,750,000 (two times $2 million, plus the $750,000).

Note that the cap does not apply if the act was a felony.
 
I never really recognized our healthcare system was fraught with pimps and players. That does explain a lot.
 
Caustic Burno":23plr4oi said:
Ball you nailed it.
We have the largest working generation the Boomers all will be SS eligible in 22 and Medicare in 25.

You are correct. There is a crisis up the road a ways as the demands on social services "boom". The growing age of our population and the number the boomers moving from the working category to "freeloaders" and "deadbeats" is going to strain the capacity of government social services. Add that to the inability of either party to balance the annual federal budget and the crisis up the road could be a wreck. To add insult to injury, there are all the other entitlements that are unfunded.

Healthcare was a major influence in the midterms. It will likely be the key issue in 2020. Republicans have a major problem. They are hailing (well a few are) the end of Obamacare but can they put something together by 2020 or will they "go down in the ship they built"?
 
Just to add: Kentucky and 15 other states are filing an appeal of the Judge's ruling on the Affordable Care Act. In fact, even the administration has said they are not acting on the ruling until something can replace the
Affordable Care Act. Good luck on that. The House is now firmly Democrat. I cannot imagine they will approve anything unless it looks a lot like the Affordable Care Act.
 
The company that I started working for in 1963 was self insured. The insurance paid for hospital cost, if an emergency room visit happened you had ten hours to report it starting Monday if on the weekend. No maternity benefits at all. Also if you visited a doctors office you paid it out of your own pocket. This insurance was furnished to my family at no cost to us. After all I was working for minimum wage as a draftsman. Take home was $65 dollars a week after SS withholding which I had satisfied by May of that year. Rent for a duplex was $35 a month. Utilities was next to nothing as there was no AC. We had our car paid for a 1956 Rocket 88 Oldsmobile that we bought for $750 with less than 20,000 miles on it. Great car would hit about 120 miles per hour on the interstate. Never got caught. Wife had a recipe box with envelopes in it and each one marked for cost for a month, she cashed the check and had it divided into the amounts needed for each envelope. Planned the budget on a four week month so we had one check clear for the five week month. We collected and sold pop bottles that rich folks threw out the window of their cars. I still will stop and pick up a penny. Could be We are conservative in some ways and liberal in others.
 
hurleyjd":16n84i6j said:
The company that I started working for in 1963 was self insured. The insurance paid for hospital cost, if an emergency room visit happened you had ten hours to report it starting Monday if on the weekend. No maternity benefits at all. Also if you visited a doctors office you paid it out of your own pocket. This insurance was furnished to my family at no cost to us. After all I was working for minimum wage as a draftsman. Take home was $65 dollars a week after SS withholding which I had satisfied by May of that year. Rent for a duplex was $35 a month. Utilities was next to nothing as there was no AC. We had our car paid for a 1956 Rocket 88 Oldsmobile that we bought for $750 with less than 20,000 miles on it. Great car would hit about 120 miles per hour on the interstate. Never got caught. Wife had a recipe box with envelopes in it and each one marked for cost for a month, she cashed the check and had it divided into the amounts needed for each envelope. Planned the budget on a four week month so we had one check clear for the five week month. We collected and sold pop bottles that rich folks threw out the window of their cars. I still will stop and pick up a penny. Could be We are conservative in some ways and liberal in others.

Think about this. Speed limits infringe upon our freedom and the "socialist" government uses your tax dollars to pay a "public employee" to enforce the speed limit. With every technological advancement, we lose another freedom.
;-)

The first speed limit was instituted in 1901.
 
Bright Raven":20jfavgl said:
Caustic Burno":20jfavgl said:
Ball you nailed it.
We have the largest working generation the Boomers all will be SS eligible in 22 and Medicare in 25.

You are correct. There is a crisis up the road a ways as the demands on social services "boom". The growing age of our population and the number the boomers moving from the working category to "freeloaders" and "deadbeats" is going to strain the capacity of government social services. Add that to the inability of either party to balance the annual federal budget and the crisis up the road could be a wreck. To add insult to injury, there are all the other entitlements that are unfunded.

Healthcare was a major influence in the midterms. It will likely be the key issue in 2020. Republicans have a major problem. They are hailing (well a few are) the end of Obamacare but can they put something together by 2020 or will they "go down in the ship they built"?

How's one move from the working category to the freeloader and deadbeat class? Think about this one, what shape do you think this country would be in if all freeloaders and deadbeats had worked instead of living off the taxpayers? My take is, SS and Medicare would have plenty of money for those who did work and paid taxes.
I have to agree with your 2020 outlook. But the fact is something needs to be done about health care and illegal immigration.
 
Back when the ACA was being pushed there were people who had plans to fix the issues with insurance companies with out all the extra non-sense of the ACA. The govt still mandates what the insurance companies can and can not do. My point is they can do away with the ACA and keep thing like not denying a person due to pre-existing conditions, etc. That whole deal was sold off of mis-information.

The problem is I doubt we will ever see change because we the older generation holds so many votes. Its just like no matter how many times people try to address SS it gets shot down solely off of misinformation. The same thing will happen with the ACA.
 
True Grit Farms":10741nd4 said:
Bright Raven":10741nd4 said:
Caustic Burno":10741nd4 said:
Ball you nailed it.
We have the largest working generation the Boomers all will be SS eligible in 22 and Medicare in 25.

You are correct. There is a crisis up the road a ways as the demands on social services "boom". The growing age of our population and the number the boomers moving from the working category to "freeloaders" and "deadbeats" is going to strain the capacity of government social services. Add that to the inability of either party to balance the annual federal budget and the crisis up the road could be a wreck. To add insult to injury, there are all the other entitlements that are unfunded.

Healthcare was a major influence in the midterms. It will likely be the key issue in 2020. Republicans have a major problem. They are hailing (well a few are) the end of Obamacare but can they put something together by 2020 or will they "go down in the ship they built"?

How's one move from the working category to the freeloader and deadbeat class? Think about this one, what shape do you think this country would be in if all freeloaders and deadbeats had worked instead of living off the taxpayers? My take is, SS and Medicare would have plenty of money for those who did work and paid taxes.
I have to agree with your 2020 outlook. But the fact is something needs to be done about health care and illegal immigration.

The Presidential election has more angles than a polygon. Five days ago the Senate voted to "un-authorize" support for the Arab war on Yemen. The FIRST TIME in history that the Senate took such action. Sure says something about what they think of his relationship with the Saudis.

The U.S. Senate on Thursday passed a resolution to end American armed forces' support for the Saudi-led coalition in the country. The bipartisan resolution concerning war powers, approved 56-41, represents the first time ever the Senate has voted to revoke military support from a congressionally unauthorized war.

The Senate adopted the two resolutions with bipartisan support last week, despite ongoing U.S. military support for Saudi Arabia's prominent role in Yemen's civil war — and the repeated insistence from President Trump and Secretary of State Mike Pompeo that there is no direct evidence connecting the crown prince to Khashoggi's death.
 
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